Children s health risks are extremely high, parents must take precautions, why should children buy c

Now with the improvement of people's living standards, the awareness of buying insurance is also getting higher and higher. Although we all want our bodies to be healthy, after all, no one wants to be riddled with diseases. However, the reality of the present is not what we want.

The incidence of severe diseases is increasing year by year. In the past, we rarely heard of people dying of some serious illness.

However, this is now very common. Not only that, but the age of serious illness is getting younger and younger. In order to cope with such problems, we have to buy appropriate critical illness insurance for our children. <>

1. The role of critical illness insurancePurchasing critical illness insurance is actually to prevent potential risks. After all, if you are seriously ill, the average family cannot afford the current medical expenses. In order to improve the family's ability to resist risks, it can be solved by purchasing critical illness insurance.

After all, the insurance industry is now becoming more and more formal. The insurance purchased from a regular insurance company is still covered. In this way, critical illness insurance can be used to the greatest extent. <>

Second, there are still many people who are resistant to insurance, and some people even think that buying insurance is unfounded. They seem to be the average person who wants us to be alive and well, and the insurance company assumes that we will get sick.

Actually, this thinking is not right. The role of insurance is to prevent problems before they occur. After all, we don't know what accidents we will encounter in our lives, and what accidents will happen to our children.

When disaster really befalls us, we take out insurance, and the insurance company will not sell it to us. <>

3. Precautions for Purchasing Critical Illness InsuranceAlthough it is necessary to buy critical illness insurance for children, it is also necessary to choose carefully when purchasing critical illness insurance for children.

Children's critical illness insurance is not expensive, and it is not necessary to have more types of coverage. As long as it is a basic critical illness, plus a few diseases with a relatively high prevalence in children, it is fine. When buying insurance, we must be assertive and not be fooled.

Although the probability of a child suffering from a major illness is relatively small, once a major illness occurs, it will cause a big blow to the whole family.

It is necessary that we can look at a set of data:

According to some data, 19-90 children aged 0 14 years old in China suffer from tumor diseases for every 100,000 children, and the incidence rate has increased by 25 since the 60s of the 20th century.

According to statistics, from 2001 to 2003, the proportion of malignant tumors was the highest year by year, of which leukemia has accounted for malignant tumors, becoming the "first killer".

Not only children, but also people have a very high chance of suffering from critical illness in this life, with a 72% chance of suffering from a critical illness at the age of 83 for men (88 for women).

The average life expectancy in China is about 73 years for men and 80 years for women. At the current rate of medical progress, most people can basically live more than 80 years old.

In addition, the cost of major diseases is often hundreds of thousands, which is not affordable for ordinary families. Therefore, critical illness insurance must be bought.

However, when we buy children's critical illness insurance, we should pay attention to choosing some products with comprehensive coverage and less stringent claim thresholds

"Comparison Table of 136 Popular Critical Illness Insurance for Minors in China".

Hello, critical illness insurance is a very necessary type of insurance for people of all ages. It can effectively avoid the financial difficulties when the disease comes, and provide protection for individuals.

Generally speaking, the choice of critical illness insurance needs to pay attention to the following aspects:

1. Types of sickness benefits; It is recommended that you choose to insure those types of insurance that cover higher morbidity, more common and expensive diseases, and the main item to be considered when applying for critical illness insurance should be whether the most common cardiovascular diseases, organ diseases and senile diseases are included in the insurance terms. Generally, about 25-35 types of critical illnesses can be covered to meet the needs of most people, unless there are special requirements.

2. Duration of protection; It is recommended that you carefully consider the duration of protection you need, whether it is short-term consumption or long-term critical illness protection, and it is recommended to purchase savings critical illness insurance for users who need long-term protection.

3. Pay attention to the terms and conditions; When purchasing critical illness insurance, you need to ask clearly what can be paid and what cannot be paid.

4. Requirement for the sum insured; The sum insured does not need to be blindly high, and the appropriate sum insured can meet the general needs. It is recommended to choose an insurance amount of about 200,000 yuan, and an insurance amount of more than 300,000 yuan is not much necessary for ordinary people.

There are many ways to apply for insurance, you can choose to go directly to the insurance company to consult and purchase, or you can choose to compare and purchase on the online insurance platform.

Hope it helps.

It's not necessary.,It's up to you what you think.。。 Nowadays, the probability of serious illness in children is getting higher and higher, but not every child will have it. The biggest protection for children is still their parents, if there are conditions, the family will be matched, if the economic conditions are not enough, take care of the adults first.

Yes, this is more than an accident to buy first, and it is expensive, as far as I know, there are many examples of children with cancer, and it feels scary to think about it.

Why do I have to buy critical illness insurance?

Xueba said that insurance, only help parents who want to buy the right insurance for their children!

This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated

Click on it to see the details.

What insurance should I buy for my child?

First, the country's medical insurance must be handled!

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the first expense, it can also solve a lot of additional expenses caused by illness, such as the delay in studies caused by medical treatment and some subsequent life losses, which require a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, it is necessary to have an accident insurance, children's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, don't look at the money is not much, but the protection is a lot. Accidental death, dismemberment, and accidental medical liability of the child are all covered, inexpensive, and useful.

Third, what are the insurance policies that are not recommended for children?

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. The specific reasons I know are in this answerWhy is it so hard to buy child insurance? You'll know when you see it!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the above insurance ideas, if you are configuring regular insurance for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it will only be two or three thousand per year, which is very cost-effective.

That's all for me"Is it necessary for children to have critical illness insurance? "

Hello! About.

For children, it is still necessary to buy critical illness insurance, because for children, the biggest risks they face are undoubtedly accident risks and health risks.

Here you can take a look at the "WiseKids Comprehensive Medical Insurance Package", which also covers your child's accident, hospitalization and serious illness. If the child does not suffer from a serious illness during the insurance period, the insurance fee will be refunded at the end of the insurance period.

Hope it helps! If you have any other questions, please feel free to contact me!

Critical illness insurance is the cheapest for children to buy, and now you should buy a critical illness insurance with a smaller amount and an education savings insurance to prepare for future university studies or study abroad, in case you have to take out a large amount of money at once. The most important thing for this kind of insurance is the rate of return and creditworthiness, both of which are much better than those in the mainland. If you have any questions, you can send a private message.

Why not? Isn't it good that the child is small, the hand is small, and the protection is long? Of course, parents should come before children. First of all, the breadwinner of the family. Insurance: Accident, Medical, Critical Illness, Pension, Financial Management....I hope it will be useful to you, and you can consult me again!

Serious diseases that are prone to are paralysis, deafness in both ears and many other diseases; I think it's very important to reduce the burden on the family.

According to the incidence, it is best to cover malignant tumors (leukemia, etc.), severe Kawasaki disease, severe Reye's syndrome, and severe hand, foot and mouth disease.

Some of the diseases that babies are prone to include severe illness leukemia, critical illness malignant tumors and so on; It is very important that the baby is very susceptible to some major illnesses at some times, and critical illness insurance can play a good role in protection.